39440
ZIPSAFMR
Jones County, MS
BRFMR
Eff. Rent
0 BR$730$800
1 BR$730$800
2 BR$960$1,060
3 BR$1,150$1,250
4 BR$1,310$1,390
5 BR$1,506
6 BR$1,732
7 BR$1,992
8 BR$2,291

Purchase Price Calculator

Maximum purchase price
$95,599

Cost breakdown

+Likely effective rent$1,060
HUD FMR$960
Market rent$1,210
Est. payment standard (110%)Used$1,060
Estimated payment standard is $1,060 (110% of FMR).
-Principal and interest-$483
Loan amount$76,479
Down payment$19,120
Rate6.50%
Term30 years
-Operating costs-$377
Property taxes-$96
Insurance-$175
Utilities$0
HOA$0
Management-$106
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,291(90.4% ROI)
Projected value
$102,950
Current value$95,599
Return breakdown
Property appreciation+$7,351
Loan principal paid down+$2,740
Rental cash flow+$7,200
5-year hold
+$29,449(154.0% ROI)
Projected value
$108,162
Current value$95,599
Return breakdown
Property appreciation+$12,563
Loan principal paid down+$4,886
Rental cash flow+$12,000
10-year hold
+$62,419(326.5% ROI)
Projected value
$122,375
Current value$95,599
Return breakdown
Property appreciation+$26,776
Loan principal paid down+$11,643
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.66ratio
FMR$730
Market$1,100
vs market-$370

FMR is below market; voucher rent may lag private rents.

90% standard$657 / 0.60 ratio110% standard$803 / 0.73 ratio
0.66
1 BR
1 BR
0.68ratio
FMR$730
Market$1,080
vs market-$350

FMR is below market; voucher rent may lag private rents.

90% standard$657 / 0.61 ratio110% standard$803 / 0.74 ratio
0.68
2 BR
2 BR
0.79ratio
FMR$960
Market$1,210
vs market-$250

FMR is below market; voucher rent may lag private rents.

90% standard$864 / 0.71 ratio110% standard$1,056 / 0.87 ratio
0.79
3 BR
3 BR
0.88ratio
FMR$1,150
Market$1,310
vs market-$160

FMR is below market; voucher rent may lag private rents.

90% standard$1,035 / 0.79 ratio110% standard$1,265 / 0.97 ratio
0.88
4 BR
4 BR
0.91ratio
FMR$1,310
Market$1,440
vs market-$130

FMR is near market; voucher and private rents are aligned.

90% standard$1,179 / 0.82 ratio110% standard$1,441 / 1.00 ratio
0.91
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 39440 (MS) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.

39440 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 39440 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $960 and the 4 bedroom fair market rent is $1,310.

Use this page for searches like 39440 FMR, 39440 fair market rent, and 39440 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 39440
Bedroom sizeHUD FMR
Studio$730
1 bedroom$730
2 bedroom$960
3 bedroom$1,150
4 bedroom$1,310